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Post by nicknotthegreek on Sept 8, 2015 15:48:34 GMT
Greetings,
I set Pre-funding amount to £300 which resulted in the following auto allocation:
2nd September 2015 £77.78 investment in PBL55 - Land with planning, Wales. 300
Then I set Pre-funding amount to £800 which resulted in the following auto allocation:
7th September 2015 £734.00 investment in PBL52 - Land in Hull
I set Pre-funding amount back to £300 which resulted in the following auto allocation:
8th September 2015 £58.00 investment (98583) in PBL56 - ****** Farm, Somerset.
So it sems that you get circa 92% allocation when I set Pre-funding amount to £800 and only circa 25% allocation when Pre-funding amount is £300.
Can anybody explain the logic behind this because as I understand it SavingStream said allocation would be a percentage which is fixed for all loaners regardless of their Pre Funding amount.
Have I misunderstood this?
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SteveT
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Post by SteveT on Sept 8, 2015 15:51:45 GMT
The % allocation you get depends entirely on how much each loan is over- (or under-) subscribed by. This latest one was small and therefore greatly oversubscribed, so everyone got around 19% of whatever they'd subscribed for.
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Post by solicitorious on Sept 8, 2015 15:54:23 GMT
The bigger the loan the bigger the % of your target you are likely to get (unless you cheat).
Mods, suggest locking this, as it's being discussed elsewhere.
And to the new poster, it always helps to do a little browsing and searching before you post.
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paulgul
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Post by paulgul on Sept 8, 2015 15:56:31 GMT
Can anybody explain the logic behind this because as I understand it SavingStream said allocation would be a percentage which is fixed for all loaners regardless of their Pre Funding amount. Have I misunderstood this? It is a fixed % for all investors for a particular loan regardless of the prefund amount but the exact % varies with each loan depending on demand. You just have to try and guess how popular each loan may be 
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Post by nicknotthegreek on Sept 8, 2015 16:14:40 GMT
Ah ok. I was trying to predict the allocation percentage based on history and set my Pre-funding level accordingly but I see it's not so simple.
Thanks for the replies.
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Post by Ton ⓉⓞⓃ on Sept 8, 2015 16:24:02 GMT
Ah ok. I was trying to predict the allocation percentage based on history and set my Pre-funding level accordingly but I see it's not so simple. Thanks for the replies. I might be wrong, I'm not yet investing with SS, but there's a very similar discussion Here called Pipeline Loans
(This thread may get locked so as to try to keep the discussion all in one place)
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Post by pepperpot on Sept 8, 2015 16:26:42 GMT
Ah ok. I was trying to predict the allocation percentage based on history and set my Pre-funding level accordingly but I see it's not so simple. Thanks for the replies. The table -here- might help with predictions.
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Post by nicknotthegreek on Sept 8, 2015 17:17:38 GMT
Ah ok. I was trying to predict the allocation percentage based on history and set my Pre-funding level accordingly but I see it's not so simple. Thanks for the replies. The table -here- might help with predictions. The "Total Amount Pre-Funded" column in the table you link to would certainly help with predictions but as far as I can see the "Pipeline Loans table" does not show this info.
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adrianc
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Post by adrianc on Sept 8, 2015 17:59:43 GMT
The "Total Amount Pre-Funded" column in the table you link to would certainly help with predictions but as far as I can see the "Pipeline Loans table" does not show this info. Well, no, because it's not set in stone until the loan actually goes live. After all, anybody - even you - could change your pre-fund amount until then...
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SteveT
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Post by SteveT on Sept 8, 2015 18:00:24 GMT
The table -here- might help with predictions. The "Total Amount Pre-Funded" column in the table you link to would certainly help with predictions but as far as I can see the "Pipeline Loans table" does not show this info. That's right, or everyone would immediately be able to calculate how much they needed to inflate their target by ....until everyone else does the same and the pre-funded total spirals. The table records the history of pre-funded loan launches to date.
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Investor
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Post by Investor on Sept 8, 2015 18:02:19 GMT
No, I simply use a slide rule to calculate that figure once the loan has launched.
crossed with stevet.
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star dust
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Post by star dust on Sept 8, 2015 18:46:21 GMT
I simply use a slide rule to calculate that figure What's that? Thought they were extinct!  .
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Investor
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Post by Investor on Sept 8, 2015 20:09:56 GMT
I simply use a slide rule to calculate that figure What's that? Thought they were extinct! . Got it when I traded my abacus in. Batteries never run out and still works when the sun goes down.
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